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Choice Home Warranty Review


ConsumersAdvocate.org Rating: 4.6 / 5 (Excellent)
11,204 Customer Comments & Reviews - see all comments
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Choice Home Warranty is a New Jersey-based company founded in 2008 which offers services contracts. Their plans offer protection against the cost of repair or replacement of major systems and appliances in the home via several plans. Each plan also offers optional coverage for septic systems, pools /spas, well pumps, sump pumps, central vacuuming systems, limited roof leaks, second refrigerators, and standalone freezers.
 
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How Do We Rate Choice?

Breakdown

4.8/5
Transparency
4.5/5
Claims Processing
4.5/5
Coverage Options
4.8/5
Additional Benefits
4.3/5
Customer Experience

Our Overall Rating: 4.6 / 5 (Excellent)

Choice Home Warranty offers a full array of home appliance and systems coverage at a competitive price. The company offers two plans for existing home owners —Basic and Total. In addition to a monthly premium, customers can expect to pay an $85 service fee each time they make a claim, which falls in low-to-mid range when compared to other home warranty companies.

You can submit a claim 24/7, including holidays, via phone, online, or app. The company utilizes proprietary technology to begin the dispatching process after a claim is filed. The company has recently updated their plans increasing coverage and has fewer limitations. Their plans and optional coverage can cover over 25 major systems and appliances.

Choice Home Warranty earns a B rating from the Better Business Bureau and has a positive rating on Trustpilot, but in this industry, negative customer reviews far outnumber positive ones.

Coverage

Key Facts

Plan Types
Combo Plan
Benefit Limit Type
Per Item
Typical Appliance Benefit Limit
$3,000
Typical Systems Benefit Limit
$3,000

Coverage Options - 4.5 / 5

Choice Home Warranty offers existing homeowners two plans, each of which cover a mix of systems and appliances. The primary difference between its Total plan and its Basic plan is that refrigerators, washers and dryers, and air conditioning systems are not included in the Basic Plan. Optional coverage for such items as pools and spas, well pumps, and septic systems is available for an additional fee. The company states that, in any case, its total liability for any single item is capped at $3000, but lower limits do apply to some covered items.

What does Choice cover?

Covered Built-In Systems

  • Air Conditioning
  • Heating
  • Electrical
  • Plumbing
  • Water Heater
  • Central Vacuums
  • Ceiling Fans
  • Ductwork
  • Sump Pump

Covered Appliances

  • Refrigerators
  • Dishwashers
  • Clothes Dryers
  • Clothes Washers
  • Built-in Microwaves
  • Garage Door Openers
  • Garbage Disposal
  • Stand Alone Freezer
  • Ranges
  • Ovens

Exclusions

For a full list of Choice exclusions, check out this page.

Specialty Items

  • Pool
  • Spa
  • Septic Tank Pumping
  • Second Fridge
  • Freezer
  • Limited Roof Leaks

Contract & Price

Contract Details

Annual Premium
Starting at $0
Minimum Contract Length
12 month(s)
Home Inspection Required for Contract?
No
Online Quote/Application

Contract & Price - 5 / 5

We requested a quote for a single family home of less than 5000 square feet in a small midwestern city. The premium for Choice Home Warranty's Basic was $47.85 per month and the premium for its Total pan was $54.95 per month. With the cost difference between the two plans being only about $7 per month, to our mind, the Total plan a better value overall because it includes coverage for three of the most common appliances: refrigerators, washers, and dryers. It also includes coverage for air conditioning systems.

The company's co-pay for a service call is $85, slightly less than most comparable companies. The co-pay may be reduced further with special discounts and promotions.

Sample Contract

Choice provides a sample contract for potential customers on its website: Choice Sample Contract

Cancellation Policy

The contract shall be non-cancelable by the company except for nonpayment of contract fees or service fees, fraud or misrepresentation of facts by the customer, or by agreement between client and company. Customers may cancel within the first 30 days of the order date for a full refund of the paid contract fees. If canceled after 30 days, the customer shall be entitled to a pro rata refund of the paid contract fee for the unexpired term, less a $50 administrative fee and any service costs incurred by the company.

Claims & Service

Claims

Service Fee
Choice Home Warranty two plans include the same $85 service fee, also known as a deductible.
Maintenance Records Required for Service?
No
24/7 Claims Department?
Waiting Period
30 days

Contractors & Service

Contractor Selection
In-Network Only
Contractor Network Size
15,000+
Number of Technicians
15,000+
Service Recall Period
30 days

Claims Processing - 4.5 / 5

The company's claim center takes calls 24/7/365. Claims can be made online or by calling the company.

Choice Reputation

Company Details

Year Founded
2008
NHSCA Membership
Number of Employees
500+
TrustPilot Rating
3.9 out of 5
BBB Rating
B
Date Collected
2021-12-15

Reputation - 5 / 5

Choice Home Warranty is one of the fastest growing organizations in the USA, winning Inc 5000 awards for 7 years running. U.S. News & World Report's 360 named Choice Home Warranty Among the Best Home Warranty companies two years in a row, and BEST CLAIMS Service. Choice Home Warranty is also a member of the National Home Service Contract Association (NHSCA), an industry trade organization serving home service contract providers and consumer interest throughout the United States.

While the company earns an average B rating with the Better Business Bureau, consumers have lodged over 9000 complaints against the company in the past three years with that organization. Choice Home Warranty earns only 1 star out of 5 from consumers who have reviewed the site on the BBB's website. The BBB also notes that Choice Home Warranty has been the subject of several significant legal actions by the Arizona Attorney General's office. The company has also been reprimanded by the BBB itself for improperly offering financial incentives to clients who leave positive reviews.

Choice Home Warranty fares much better on Trustpilot, where consumers award the company 3.9 out of 5 stars.

Contact & Additional Information

Homepage URL
http://www.choicehomewarranty.com/
Company Phone
(888) 531-5403
Headquarters Address
2147 Route 27 South, Edison, NJ, 08837
Year Founded
2008

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11204 Customer Comments & Reviews

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Patricia B
10/16/2018
On Sunday night around 10:30 pm it was 33° outside and of course our furnace went out! I called the 800# for CHOICE HOME WARRANTY, a few simple questions answered and the next morning we had a repair man at the door. I was surprised at how simple it was to submit a claim and all I had to do was make one phone call! I am grateful we had a home warranty and the cost is very low. I will never be without a home warranty!! This saved us from thousands of dollars and had the furnace up and going within an hour. Thank you Choice Home Warranty.

Garegin M
10/16/2018
Service is rather fast. But expect some unexpected extra expenses over the service call charge.

A
Alida R
10/15/2018
I had a water emergency on saturday early morning,I called the company to submit a new claim and I was schedule to have somebody over on folowing Tuesday,.Since it was on emergency I had to find another company to do the job and they called for authorization but the officce was closed on Saturday around 6:00pm,I paid them to take care the emergency and talked to the company on Monday early morning to get a reemborsment,but they told me I wont get anything back.They advertised service 7 days/ 24 hours and it is not true.So I wont recomend this company because they were not good when I really need help.

Choice W  
Official Response

Customer Advocate of Choice Home Warranty
We regret to hear your frustration and dissatisfaction. Our Consumer Advocates will contact you directly to further assist. CHW
M
Marissa
10/15/2018
Warning - deceptive sales people! The first time I signed up, the salesperson never asked how many water heaters, clothes washers, etc. were in our home. Many times we found out (the hard way) that things weren't covered. When it came time to renew, I wasn't interested because I'd added up the cost of the warranty versus how much was actually covered/paid out. The salesperson ASSURED me that he would add all my extra appliances in, and we agreed on a premium price. Then the paperwork arrived -- he hadn't covered everything as promised! After two months of phone calls and run-around, the manager (Akim) said he'd rather cancel me than stand behind the promises his rep made. NOT cool. Oh, and... Read More

Choice W  
Official Response

Customer Advocate of Choice Home Warranty
We regret to hear your frustration. Please provide your policy/claim to respond@choicehomewarranty.com and in the subject line, please advise "Consumer Advocate Reviewer Attn: C. Blue"
K
KEVIN
10/15/2018
I renewed my warranty plan since I was pleased with their service and the contractors that they have to fix items that break down. There are other companies similar to Choice and after having them as my warranty company for the past years feel they are the best in the industry.

Mary
10/15/2018
Paul from Royal Blue Pool was great! He was prompt within the estimated time. Very knowledgeable & efficient. Thanks for your help repairing our pool pump.

J
Junefdickerson
10/15/2018
The service was amazing and professional from the service request to the service performance. This was my first service request after being with another company with multiple properties for many years. My tech, was awesome, knowledgeable, and courteous. I am super blessed having found out about this super warranty company. I am definitely spreading the word!

P
Peggy O
10/14/2018
I just filed my 1st claim on my kitchen stove Thurs. And someone was here Fri. And checked it out . They checked when they got back to look it up and part for it can no longer be purchased. Got a email to tell me and They did what they called a buyout. And we were very pleased with what they offered. My stove was old but in excellent shape..very satified with everyone involved from 1st phone call, the guys that came and they are sending a check...less than 48 hours from 1st phone.. Keep up the awesome job....5 star service thank you and God Bless

N
nathan j
10/14/2018
There was know problem at all .Web explained things good..Serviceperson was good.

K
kbc1920
10/14/2018
Window need to be 2/3 hours in place of 5 hours. That is the major draw back and whole day is wasted. It takes around 40 to 50 minutes to get authorization by the technician. With the result technician gets late for next window/appointment. Authorization Dept.needs more employees to expedite the flow of work.

Choice W  
Official Response

Customer Advocate of Choice Home Warranty
Thank you for your feedback. We strive to provide the best customer experience, therefore, we regret to hear that you had a less than satisfactory experience with us. We have applied a onetime free service call fee onto your policy, in hopes that your next experience with Choice Home Warranty meets your expectations. Kind Regards, CHW
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